0.660
Revenue$B
2.745
2.781
2.907
2.922
3.003
3.081
3.155
3.268
3.399
3.422
0.682
2.65%
2.28%
57
24.45
Revenue growth%
10.58
7.61
8.81
11.55
13.03
15.81
14.52
12.37
14.86
17.35
26.89
14.86
12.70
74
11.84
Combined R.%
91.88
92.11
93.12
91.59
91.95
90.60
91.80
92.76
92.01
91.88
27.03
91.88
91.92
43
13.74
Operating margin%
22.70
24.28
23.20
21.19
21.01
20.44
18.64
18.58
17.24
19.48
18.11
18.64
20.72
13
24.32
Net margin%
9.32
7.28
5.47
2.64
0.60
0.40
0.40
0.40
2.16
2.27
13.89
0.40
2.22
54
9.666
P/E ratio (avg)x
15.77
15.17
15.94
17.12
16.81
15.84
15.62
16.32
15.59
14.93
34.62
15.62
15.81
12
12.19
P/TBVx
51.89
52.88
59.57
60.02
67.61
64.31
58.85
53.17
58.66
63.25
12.96
58.85
59.21
45
36.94
P/Bx
8.446
7.592
8.061
8.511
8.843
8.908
8.321
8.779
9.295
10.06
18.11
8.908
8.645
72
29.91
Prem. grth%
13.75
12.29
13.37
10.40
10.51
12.07
12.27
12.16
9.43
9.36
14.22
12.07
12.12
10
3.38
Invest. yld%
5.30
2.83
3.78
1.89
0.71
0.40
0.40
1.90
4.78
2.46
20.75
1.90
2.18
20
21.20
BVPS grth%
0.40
1.36
0.40
2.03
2.33
0.40
2.81
3.94
6.63
9.10
12.92
3.94
2.18
62
15.57
Return on equity%
4.83
7.61
4.96
7.89
8.49
11.45
9.06
8.60
8.23
8.76
18.53
8.76
8.36
61
8.14
Return on assets%
8.75
6.09
3.87
4.64
3.76
1.36
3.41
2.84
2.37
4.61
20.82
2.84
3.81
54
25.82
EPS$
42.33
45.69
49.91
54.60
56.20
53.18
56.47
56.47
61.05
56.97
28.38
0.27%
3.81%
—
9.24
EPS growth%
29.27
28.60
30.50
28.08
25.15
25.10
22.52
23.09
21.95
21.75
18.13
22.52
25.13
58
16.44
Bookvalue per sh$
34.63
35.22
31.99
29.65
27.83
30.32
28.55
28.19
31.09
29.75
17.84
1.34%
(0.27%)
—
7.10
TBV/sh$
8.59
8.79
9.98
11.78
11.97
12.19
12.20
14.27
16.35
17.30
18.08
7.64%
7.03%
—
23.96
Dividend per sh$
11.29
10.71
9.95
10.50
11.21
10.78
10.63
9.84
10.37
10.80
10.04
(0.75%)
(0.64%)
—
27.51
Div yield (avg)%
7.84
5.81
6.36
6.85
8.24
9.33
9.07
10.85
9.31
11.31
16.79
9.33
8.66
84
10.61
Payout ratio%
1.95
2.22
1.58
3.24
5.17
7.01
4.45
6.06
7.75
8.47
29.16
7.01
4.81
68
31.15
Shares (diluted)M
37.08
36.01
41.49
41.04
41.78
46.70
54.65
53.50
62.78
67.12
30.67
9.95%
6.84%
18
29.50
Buyback yield%
12.45
14.99
15.01
12.52
13.24
11.50
11.01
13.26
10.81
9.08
26.51
11.01
12.48
85
0.346
D/E ratiox
0.208
0.183
0.196
0.212
0.225
0.202
0.198
0.217
0.209
0.197
0.678
0.202
0.205
84
1.986
Assets$B
13.31
13.85
15.36
17.11
18.37
19.38
20.40
22.18
24.74
26.94
0.407
7.96%
8.58%
65
2.680
LT debt$B
0.789
0.807
0.783
0.782
0.840
0.931
0.943
0.932
1.059
1.058
0.474
4.74%
2.98%
90
Revenue
$3.422B
2.28%
1.00×
Claims and benefits
$2.035B
2.54%
1.03×
Total costs
$2.867B
2.23%
1.00×